Member-owned risk retention group
Commercial auto coverage that locks down your risk.
RyskLOK Casualty Insurance Company protects motor carriers, from owner-operators and new authorities to growing fleets, with liability coverage built for the realities of the road.
- Commercial auto liability
- Owned by our members
- Built for trucking
Insurance
Coverage built around the truck
Liability written by RyskLOK, with complementary coverages your shippers, brokers and lenders ask for.
Complementary coverageAsk us about these alongside your RyskLOK liability program.
Who we protect
From your first truck to your growing fleet
Whether you run one truck under your own authority or manage a fleet, coverage starts with how you operate.
Why RyskLOK
Risk, locked down. Interests, aligned.
A risk retention group exists for one reason: to serve the members who own it. That shapes how we underwrite, communicate and handle claims.
Owned by the members it protects
As a risk retention group, RyskLOK is owned by its policyholders. The people who pay the premiums are the people the company answers to.
Focused on trucking
Our lineup is built around motor carriers: the liability your authority depends on, plus the coverages your contracts ask for.
One conversation, every coverage
Tell us about your operation once. We look at liability, cargo and equipment needs together instead of one policy at a time.
Plain-language guidance
Limits, filings and lease requirements explained clearly, so you know what you are buying and why.
How it works
From quote request to coverage
A clear path with a real person reviewing your operation.
- 1
Tell us about your operation
Share your USDOT number, equipment, drivers and the coverage you need through our quote request form.
- 2
We review your submission
Our team reviews your operation and follows up with any questions about your drivers, radius or freight.
- 3
Get your proposal
Receive a proposal that explains the limits, terms and options we recommend, in plain language.
- 4
Bind and join
Accept your proposal to bind coverage. As a policyholder you become a member-owner of the risk retention group.
Risk retention group
Insurance owned by the people it protects
Formed under the federal Liability Risk Retention Act of 1986, a risk retention group is a liability insurer owned by its policyholders, all of whom share a similar type of risk.
- Policyholders are members and owners of the group
- Underwriting focused on one industry’s risk
- A board accountable to its members
When something happens on the road
Make the scene safe, document what you can, and send us a claim notice. We guide you from there.
- 1Make the scene safe
Check for injuries and call 911 if anyone is hurt. Set out warning devices and move to safety if you can.
- 2Document everything
Take photos, exchange details with other drivers and collect witness names. Do not admit fault at the scene.
- 3Report the claim
Send us a claim notice with as much detail as you have. You can add documents and photos later.
- 4We guide you through it
An adjuster contacts you to review the facts, explain next steps and keep you updated until the claim is resolved.
FAQ
Questions, answered
The essentials about RyskLOK, risk retention groups and requesting a quote.
A risk retention group (RRG) is a liability insurance company owned by its policyholders, formed under the federal Liability Risk Retention Act of 1986. Members share a similar type of risk, which lets the group focus its underwriting, pricing and claims handling on that risk.
As a risk retention group, RyskLOK writes liability coverage: primary auto liability, general liability, non-trucking and bobtail liability, hired and non-owned auto liability and excess auto liability. Ask us about cargo, physical damage and trailer interchange alongside your liability program.
Availability depends on where the risk retention group is registered, your operation and underwriting review. Tell us your garaging state when you request a quote and we will confirm.
Use the claim notice form on our Claims & Support page. Include your policy number, the date, time and location of the incident and the details of anyone involved. You can send photos and documents later.
Start in seconds
What would you like to protect?
Pick a few options and we will carry them into your quote request.